Instant Online Loan Approval
When you apply for a mortgage online at
georgiasown.org, you can get instant online loan
approval, 24 hours a day, speeding up the loan
process. Online loans close in an average of just 21
days! You can review our current rates and fees. Or
with Rate Tracker, we can notify you via email when
the interest rate or payment you are seeking
becomes available.
Apply today
• Apply on our website at georgiasown.org
• Call our Mortgage Department at:
(404) 874-1166, (800) 533-2062
• Fax the form below to: (404) 575-1810
• Or, return the form below to:
Georgia’s Own Credit Union
Attn: Mortgage Department
P.O. Box 105205
Atlanta, Georgia 30348
I am interested in a mortgage.
Please send me a:
First Mortgage Package
Refinance Package
Please have a Mortgage Representative call me.
Name _______________________________________
Mortgage Services
Contact Us
Member Services
404.874.1166 (Local)
800.533.2062 (Nationwide)
8 AM - 6 PM Monday - Friday
9 AM - 1 PM Saturday
General Offices
404.874.0777
9 AM - 4 PM
Monday-Friday
TELE-TALKPlus
404.874.0242 (Local)
800.533.3817 (Nationwide)
24-hours a Day
Mortgage Department
404.874.1166 (Local)
800.533.2062 (Nationwide)
8 AM - 5 PM
Monday-Friday
VISA Department
404.874.1166 (Local)
800.533.2062 (Nationwide)
8 AM - 5 PM
Monday-Friday
24-hour Loan Service
404.874.1166 (Local)
800.533.2062 (Nationwide)
georgiasown.org (Online)
Address______________________________________
City_____________________________State________
10/11
Zip_______________Day Phone_________________
Account #____________________________________
Email Address_________________________________
P.O. Box 105205
Atlanta, GA 30348
georgiasown.org
Adjustable Rate Mortgages
Adjustable Rate Mortgages (ARMs) have an initial
interest rate that is typically much lower than a fixed
rate loan, but may rise or fall depending on current
market rates. In addition to standard programs that
adjust annually, our programs provide an initial fixed
rate for a set period of time before the rate adjusts at
all.
Interest Only ARMs - pay interest only during the first
few years of the loan. After that, the rate begins to
adjust, and you pay both the interest and principle
balance.
Special Mortgage Programs
Mortgage Loans
Buying a home is one of the most important purchases
you’ll ever make. That’s why Georgia’s Own Credit
Union has designed our mortgage services to make
the process as simple and straightforward for you as
possible. Whether you’re financing your first home,
your vacation home, or just refinancing for a lower
payment, you’ll receive more choices, better resources,
and superior service from Georgia’s Own Credit Union.
Fixed Rate Mortgages
Our fixed rate mortgages offer a fixed interest rate
for the life of the loan and a monthly principal and
interest payment that will not change.
VA Loans - gives qualified veterans the opportunity to
receive 100% purchase price financing.
FHA Lending - insured by the Federal Housing
Administration (FHA). There are no income
limitations and credit standards are more lenient.
Affordability Program - enables buyers who meet
certain criteria to finance or refinance up to 100% of
the purchase price.
Jumbo Loans - designed for people financing more
expensive homes.
Benefits
• an established mortgage lender that you can trust
Interest Only Loans - pay interest only for a
specified period of time. After that, the monthly
payments adjust to include both principle and
interest.
Balloon Loan - offers lower monthly payments
because there is a final balloon payment due at
maturity; ideal for the homeowner who is planning
to move in a few years.
• competitive rates
• low closing costs
• personalized service
• automatic payment debit
• no lock-in fees or hidden fees
Before you buy...
Get pre-qualified - Pre-qualification gives you a quick
assessment of how much house you can afford before
you start to look.
Get pre-approved - Your pre-approval is good for 6
months, so you’ll have the security of knowing your
loan is already approved. And you’ll know how much
your approval is for before you find a house or sign a
contract. It may also speed up the closing process.
Lock-in your interest rate - After you apply for your
loan, then find a property, you may choose to lock-in
an interest rate when rates are at their lowest.
Refinancing
We can help you get extra cash from your existing
home and save you money. With a refinance, get:
• lower interest rates
• lower monthly payments
• cash out for home repairs, additions, or other large
expenses
• convenient and confidential service
• tax deductible interest on your new loan*
Before You Buy
Information you should know before you buy can be
found on the mortgage section of our website at
georgiasown.org or by contacting one of our
Mortgage Representatives at 404.874.1166 or
800.533.2062.
*Please consult your tax advisor.